The types of investments you need to know
Well, every asset investment has the characteristics of the potential benefits and risks different. "So when asked 'where the best investment asset', then the answer is DEPENDS!" Said Pritchard Hapsari Ghozie, SE, MCom., CFP, an independent financial planner and director of ZAP Finance. "It depends on what your risk profile? Depending on how long the funds would be used? Depending on how much profit you want?
Pritchard explained that despite the current financial products offered in Indonesia is very diverse, ranging from deposits, retail bonds Indonesia, mutual funds, unit-linked up, actually kind of investment only assets are divided into four. What?
Cash or Cashier. "Although the name of cash, does not mean you can put money in a closet or under a pillow like those earlier times," said Pritchard. "Property investment in the form of cash are generally offered in the form of savings, deposits, or money market mutual funds. The potential benefits are usually not more than 6 percent per year, but the risk is very small investment. "
PendapatanTetap. Financial assets, according to Pritchard features provide a fixed income for its investors, can monthly or yearly. "Generally offered in the form of bonds or debt securities, and fixed income funds," said Pritchard. "The possibility of the value of your investment will grow over 10 percent per year is minimal, but if there is any fluctuation in market value of investments are generally not reduced drastically."
Stock. It is proof of ownership of a company. "I usually split into two shares, which shares an open and a closed stock company," said Pritchard. "Examples of the company's stock closed is if you have a business franchise, or a small business rumahan.Untuk public company shares, no stock options Blue Chips are usually large market capitalization, and the second tier stocks."
Mike further explained that for asset classes of shares, the options can be found in the form of a mix of mutual funds, mutual fund shares, and common stock. "The risk of this investment is quite high, but the potential benefits that could be given to more than per cent per year on average," said Pritchard.
Physical assets. The last type is a physical asset that is typically in the form of gold, precious stones, and property. "Well, the potential returns can be quite varied, depending on the form of investment that we choose," Pritchard explained. "The main advantage of this asset class course investors holding direct investment products."
So, where the investment asset class that should be your choice? According to Pritchard, of course everything. "It should always be remembered that the basic principle of investing is to never put all your funds in one class," he said. "Establish an investment portfolio consisting of four above investment grade, with a composition adjusted by the risk profile of each
